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　　记者22日从温州市政府获悉，浙江省政府出台了温州金融综合改革实施细则。

Reporters learned from 22 wenzhou municipal government,Zhejiang province government introduced the detailed rules for the implementation of wenzhou financial comprehensive reform.

　　根据今年3月28日国务院常务会议批准实施的《浙江省温州市金融综合改革试验区总体方案》，浙江省政府对应制订了“省12条”具体实施方案。细则重点解决了小额贷款公司再融资问题，即通过发行小额私募债的方式进行再融资。值得注意的是，当日浙江产权交易中心首例小额私募债成功发行。

According to this year on March 28, the state council executive meeting of the implementation of the approved[Zhejiang wenzhou financial comprehensive reform pilot area overall scheme],Zhejiang province government corresponding made"Article 12 provinces"Concrete implementation scheme.Rules is mainly to solve the small loan companies refinancing problem,That is through the issuance of small SiMuZhai way refinancing.It is important to note that,The zhejiang property right transaction center's first small SiMuZhai successfully issued.

　　同时，细则还鼓励积极发展各类债券产品。以地方政府债务率作为控制指标，探索符合条件的地方融资平台发行私募债券。积极争取高收益票据等创新产品在温州先行先试等。此外，细则末尾特别提到，浙江省政府要求省级各有关部门要积极争取国家下放相关审批权限，在机构设立审批及项目报批过程中给予支持。

At the same time,Rules also encourage positive development of all kinds of bonds products.Local governments ZhaiWuLv as control index,Explore qualified local financing platform private bond issue.Actively strive for high yield bills innovative products in wenzhou first try first, etc.In addition,At the end of rules for special mention,Zhejiang provincial government for the relevant departments should actively fight for national down relevant examination and approval authority,In the institutions set up for examination and approval and project approval process support.

　　“省12条”具体方案的实施原则是“三坚持”：坚持整体设计、系统推进；坚持创新为要、监管先行；坚持上下联动、项目运作。具体内容涉及规范发展民间融资、加快发展新型金融组织、发展专业资产管理机构、开展个人境外直接投资试点、深化地方金融机构改革、创新发展金融产品与服务、培育发展地方资本市场、积极发展各类债券产品、拓宽保险服务领域、加强社会信用体系建设、强化地方金融管理机制、建立金融综合改革风险防范机制等12方面。

"Article 12 provinces"The specific implementation of the principle is"Three adhere to the":Adhere to the overall design/System propulsion;Insist on innovation to/Supervision first;Adhere to the fluctuation linkage/Project operation.Specific content involves the normalized development of folk financing/Accelerate the development of new financial organizations/The development of professional asset management mechanism/Carry out personal foreign direct investment pilot/Deepening the reform of local financial institutions/Innovation and development of financial products and services/The development of the capital market place/Actively developing products of all kinds of bonds/Broaden the insurance services/Strengthen the social credit system construction/Strengthening local financial management mechanism/To establish financial comprehensive reform risk prevention mechanism in 12.

　　其中在规范发展民间融资方面，细则要求：开展民间借贷服务中心试点，引进一批中介机构入驻，提供民间借贷登记、公证、资产评估等服务，引导民间融资阳光化、规范化。建立健全民间融资监测体系，形成民间融资综合利率指数“温州指数”，做好民间融资动态跟踪和风险预警等。

The standard in the development of folk financing issues,Rules requirements:Carry out folk loan service center pilot,Introduce a group of intermediary organizations established,Provide folk loan registration/notarization/Assets evaluation and other services,Guide folk financing sunshine change/standardization.Establish and perfect the folk financing monitoring system,Formation folk financing comprehensive rate index"Wenzhou index",Do folk financing dynamic tracking and risk warning, etc.

　　在开展个人境外直接投资试点方面，细则要求，在国务院统一部署领导下，探索以人民币开展个人境外直接投资，制订温州市个人境外直接投资管理办法及实施细则等。

In developing individual foreign direct investment in pilot,Rules requirements,Under the leadership of the state council in unified deployment,To explore the individual to carry out overseas direct investment,Make wenzhou individual foreign direct investment management measures and the detailed rules for its implementation.

　　对于深化地方金融机构改革，细则要求，推动温州银行引进战略投资者、增资扩股、上市融资。争取在温州设立财务公司、金融租赁公司、信托公司、消费金融公司等非银行金融机构。支持民营资本进入证券、投资咨询等领域，争取在温州设立证券公司，支持更多的证券、基金、期货公司到温州设立分支机构。鼓励地方金融机构以控股、参股的方式探索综合经营等。

To deepen the reform of local financial institutions,Rules requirements,Wenzhou bank to promote the introduction of strategic investors/Increase endowment spread/Listed financing.For the establishment of finance company in wenzhou/Financial leasing company/Trust company/Consumer financial company non-bank financial institutions.Support private capital into the securities/Investment consulting, etc,For the establishment of securities companies in wenzhou,Support more securities/fund/Futures companies to set up branches in wenzhou.Encourage local financial institutions to holding/Participation way to explore integrated management, etc.

　　而在创新发展金融产品与服务方面，细则指出，积极发展科技贷款、小额担保贷款、经营权质押贷款、股权质押贷款、知识产权质押贷款、林权抵押贷款、海域使用权抵押贷款等支农支小信贷业务。积极探索试点排污权抵押贷款、农房抵押贷款、土地承包经营权抵押贷款、农业设施及农业机械抵押贷款等。

And in the innovation and development of financial products and services,Rules pointed out that,Actively developing science and technology loans/Small assure loan/Right of pledge loan/Equity pledge loan/Intellectual property rights pledge loan/Forest right mortgage/Right to use sea areas shall mortgages and other support a little credit business.Actively explore pilot of pollution-discharge right mortgage loans/Crackage mortgage/The contracted management of land mortgage loans/Agricultural facilities and agricultural machinery mortgage loan, etc.

　　细则还提出，积极开展产权交易市场试点，建立知识产权、企业产权、金融资产、排污权、水权、碳排放权、低碳技术、农村土地承包权、林权等产权交易市场，依法合规开展非上市公司股份转让试点，探索开展中小企业私募债转让试点。

Rules are put forward,Actively carry out property right trading market pilot,Establish intellectual property rights/Property rights of enterprises/Financial assets/Sewage's discharge right/Water right/Carbon emissions/Low carbon technology/The rural land contract right/Forest right and property right trading market,Compliance in accordance with the private company to carry out the transfer of shares pilot,Exploration of small and medium enterprises to carry out pilot SiMuZhai transfer.

　　在金融监管方面，细则要求，强化地方金融管理机制。制订出台地方金融监管工作实施意见，加强对小额贷款公司、融资性担保公司、民间资本管理公司等机构管理等。

In the field of financial supervision,Rules requirements,Strengthening local financial management mechanism.Formulate local financial supervision work out implementation opinion,Strengthen the small loan companies/Financing guarantee company/The folk capital management company agency management, etc.